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These regulations are the Credit Contracts and Consumer Finance Regulations 2004. 2 Commencement These regulations come into force on 1 April 2005. 3 Interpretation (1) In these regulations, unless the context otherwise requires,— Act means the Credit Contracts and Consumer Finance Act 2003 Each of the 24 monthly payments is $235.37. Full prepayment of the contract is made after 6 months and 5 days (5 days since the last payment due date) when the unpaid balance is $3,865.66. At the date of full prepayment, the annual interest rate that the creditor usually charges on Regulation 11: substituted, on 1 April 2005, by regulation 4 of the Credit Contracts and Consumer Finance Amendment Regulations 2004 (SR 2004/359). The Parliamentary Counsel Office www.govt.nz

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